The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$2,340
−HK$146/mo
▼ 0.25% · 3.875%
HK$2,412
−HK$74/mo
Today · 4.125%
HK$2,486
baseline
▲ 0.50% · 4.625%
HK$2,638
+HK$152/mo
Deposit HK$513K · loan HK$513K · min. income ≈ HK$4,972/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,603
−HK$140/mo
▼ 0.25% · 3.875%
HK$2,673
−HK$70/mo
Today · 4.125%
HK$2,743
baseline
▲ 0.50% · 4.625%
HK$2,888
+HK$145/mo
Deposit HK$513K · loan HK$513K · min. income ≈ HK$5,486/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,808
−HK$176/mo
▼ 0.25% · 3.875%
HK$2,895
−HK$89/mo
Today · 4.125%
HK$2,984
baseline
▲ 0.50% · 4.625%
HK$3,165
+HK$181/mo
Deposit HK$410K · loan HK$616K · min. income ≈ HK$5,968/mo (50% DSR)
Upfront cash ≈ HK$411K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,123
−HK$169/mo
▼ 0.25% · 3.875%
HK$3,207
−HK$85/mo
Today · 4.125%
HK$3,292
baseline
▲ 0.50% · 4.625%
HK$3,466
+HK$174/mo
Deposit HK$410K · loan HK$616K · min. income ≈ HK$6,584/mo (50% DSR)
Upfront cash ≈ HK$411K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,276
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,377
−HK$104/mo
Today · 4.125%
HK$3,481
baseline
▲ 0.50% · 4.625%
HK$3,693
+HK$212/mo
Deposit HK$308K · loan HK$718K · min. income ≈ HK$6,962/mo (50% DSR)
Upfront cash ≈ HK$308K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,644
−HK$197/mo
▼ 0.25% · 3.875%
HK$3,742
−HK$99/mo
Today · 4.125%
HK$3,841
baseline
▲ 0.50% · 4.625%
HK$4,043
+HK$202/mo
Deposit HK$308K · loan HK$718K · min. income ≈ HK$7,682/mo (50% DSR)
Upfront cash ≈ HK$308K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,211
−HK$264/mo
▼ 0.25% · 3.875%
HK$4,342
−HK$133/mo
Today · 4.125%
HK$4,475
baseline
▲ 0.50% · 4.625%
HK$4,748
+HK$273/mo
Deposit HK$103K · loan HK$923K · min. income ≈ HK$8,950/mo (50% DSR)
Upfront cash ≈ HK$103K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,685
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,811
−HK$127/mo
Today · 4.125%
HK$4,938
baseline
▲ 0.50% · 4.625%
HK$5,199
+HK$261/mo
Deposit HK$103K · loan HK$923K · min. income ≈ HK$9,876/mo (50% DSR)
Upfront cash ≈ HK$103K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).